Apply online or at a branch, or
print the application and mail, fax, or bring it in. Applications are processed same-day, unless it is received on a day we are closed.
Please Note: When applying online, select “Visa (Non-Rewards)” from the online drop-down menu once logged in, then “Platinum Visa Credit Card” as the type of loan.

Credit Card Features:

Activate or Select a New PIN for my Credit Card

Your card will arrive in an inactive status. You will need to call 1-800-992-3808, also available on the sticker on the card, and will need to verify certain information in order to activate the card. Once the card is activated, you can begin using it immediately. No need to call from home phone number

To change your Visa Credit Card PIN, you need to call 1-800-992-3808, which is provided on the PIN mailer. Unlike JHFCU's Visa Check cards, you cannot change the PIN at one of our branches.

A special Visa Credit Card Personal Identification Number (PIN) will be sent separately to you by mail. This PIN is for ATM Cash Advances. The PIN mailer will include the phone number and the validation number that allows you to change your credit card PIN. If you do not retain the form or record the validation number, we will need to order a new PIN mailer for you. Note, PINs for credit cards cannot be changed in our branches.

Cash Advance and Balance Transfers

In a Branch – Our branch staff can help you make a cash advance from your JHFCU Visa Credit Card. You can simply go to a teller window. You do not need to bring/show your Credit Card, but as always will be required to show a valid photo ID. You may withdraw up to your available limit.

At an ATM – You will be mailed a Personal Identification Number (PIN) after your card is sent. You can use your Credit Card and PIN to make a cash advance at any ATM displaying the Visa or PLUS network logos. NOTE: There is a daily ATM cash withdrawal limit of $600. No increases in the daily limit will be allowed.

Via Telebranch24 – You can transfer from your Visa Credit Card to another JHFCU account over the phone. The Cash Advance fee will be charged that night.

You cannot make an Online Transfer/Cash Advance into another JHFCU account at this time. This feature may be added in the future. Please note that all Cash Advances begin being charged interest starting on the date of the advance, and that there is a Cash Advance Fee (see next question).

Balance transfers can be completed at any branch using this form. Branch staff will assist with the issuance of payments made directly to outside credit card. Note that initially JHFCU will be sending any Balance Transfer payments via US Mail. You should account for mail time and should continue to make any minimum required payments until the payment is posted to your outside account.

Co-Applicants and Authorized Users

Yes, co-applicant can be added to the application. A co-applicant has co-ownership of the card and can use it just as the Primary Owner would. The co-applicant is equally responsible for paying off the balance of the card.

Yes, Authorized users can be added to a member credit card account. To add an Authorized User, a form needs to be completed and signed by the card holder and authorized user. The Authorized User must be over the age of 18. In the future we hope to have an online form for adding Authorized Users.

Lost, Stolen, or Damaged Credit Card

Contact the credit union at 410-534-4500 or 800-543-2870. If you call during our normal business hours, we will deactivate your card. If you call after hours, our third-party card processor will deactivate your card to prevent unauthorized activity from occurring.

Contact the credit union. Your old card will be deactivated and a new card will be processed and mailed. Note that JHFCU charges a $15 Card Replacement fee, unless there are extenuating circumstances for the card replacement.

Making Payments

There are many options for making a payment to your JHFCU Visa Credit Card:

Transfer online from Checking, Savings, or another transactional account to your Visa Loan account. Payment will be credited immediately and balance and available credit will be updated.

JHFCU's Online Bill Payment – You can use JHFCU's Online Bill Payment service to make a payment, but note that it will take 2 business days to credit the Credit Card account and update the balance. If you do like to use Online Bill Payment for ease of paying all your bills and tracking, you can pay your Credit Card this way. When you set up JHFCU as a Payee, use your 9-digit JHFCU Account number - SUFFIX 77. Do not use the 16-digit number on the plastic credit card. You should use JHFCU's main address, 2027 E Monument St, Baltimore, MD 21287.

JHFCU TeleBranch 24 — You may transfer your payment from a JHFCU account to your Visa; use suffix 77.

Online Bill Payment from an Outside Bank - When you set up JHFCU as a Payee, use your 9-digit JHFCU Account number - SUFFIX 77. Do not use the 16-digit number on the plastic credit card. You should use JHFCU's main address, 2027 E Monument St, Baltimore, MD 21287

Mailed Check Payment

Branch Payment by Check

Branch Payment by Transfer

NOTE: You should not set up automatic recurring transfers, since the monthly amount will vary. Also, Payroll Deduction payments are not an option for the Credit Cards.

JHFCU's cycle date for Card Statements is the 18th of each month; statements will be sent out within a few days after the cycle closes. If you are enrolled in e-statements for your regular JHFCU account, you will automatically be enrolled in e-statements for your credit card. The Credit Card statement will appear on the same screen as your regular account statement.

If your payment arrives past the scheduled Due Date, you will owe interest for the prior billing cycle and current billing cycle, which will be added to your next bill. A Late Fee of $25 will also be assessed.

Your Minimum Payment due will be 2% or $30, whichever is greater. Of course you can pay the balance in full each month to avoid interest charges, and/or can pay more than the minimum payment due at any time. Please note: If you have a total outstanding balance of under $30 for the first statement cycle, the system will still show a minimum of $30 due, but you are only responsible for the amount charged.

If you made a payment by check that was returned for non-sufficient or non-available funds, we will reverse the payment on your account. You will be charged interest on outstanding balances as if the payment were never received, and will be charged a Returned Check Fee as well. If your reversal is made after the due date and you didn't make another minimum payment, you will incur a Late Fee, too.

My Rate and Credit Limit

JHFCU is offering a "Non-Variable" rate credit card product. This card is NOT linked to an index like Prime or LIBOR, and thus will not go up or down automatically. But your rate could vary at some point based on circumstances with your account or credit standing, and/or interest rates in general. You would receive advance notice (45 days) about any change and would have the option to payoff and close out the card. Any rate changes would only affect future transactions, not your prior outstanding balance.

JHFCU uses various criteria to set each member's Visa credit line limit. The maximum amount allowed is $25,000, but each individual's limit will vary based on credit, income, amount of other unsecured JHFCU loans, and other variables. Your limit will be displayed on the letter you receive when the Credit Card account is established.

JHFCU reserves the right to decrease a member's credit limit under certain circumstances, including but not limited to a drastic change in your credit score, late payments to JHFCU, or other situations. An annual review of the cardholder base for possible evaluation of increase and or decrease of credit limits will be conducted.

The best way to dispute a transaction that you feel is in error is to contact the merchant. A merchant will be able to act more quickly and reverse a wrong charge. If you cannot resolve the issue with the merchant, you may contact JHFCU and we will put a claim through Visa. Note that this process can take up to 90 days.

If you discovered fraudulent or suspicious transactions associated with your credit card, please contact the credit union at 410-534-4500 or 1-800-543-2870 as soon as possible to prevent further damage.

If you are traveling abroad, please download and complete our Travel Notification Form. After you fill in the form, fax or scan it and email it to JHFCU. In the future we plan to have a secure online Travel Notification Form that you can submit electronically.

JHFCU uses a sophisticated transaction monitoring system to track card activity. If the activity falls out of a normal pattern, your card access may be suspended and our Fraud Monitoring Service will attempt to contact you at the home phone number we have on file. If your card is blocked, contact the credit union at 1-800-543-2870. If you are traveling out of the country, you may need to call our regular number at 410-534-4500. If you call after-hours, you will have an option to be routed to our after-hours Card Services Center. They may ask to verify information before unblocking your card.

Your JHFCU credit card balance, history, and pending transactions can be found on JHFCU's Online Banking site. Your Credit Card, whether it is the low-rate or the Rewards card, will be listed on the Account Summary screen under the Loans section. ALL CREDIT CARD ACCOUNTS WILL HAVE SUFFIX 77. The Rewards Card will be listed as Rewards Visa Card; the low-rate card will be listed as Visa Credit Card. You can make a payments to your Credit Card account by transferring from your JHFCU Checking, Savings, or other transaction account. You cannot transfer FROM the Credit Card online at this time.

Johns Hopkins Federal Credit Union is an independent credit union and serves the employees, students, retirees and Alumni Association members of the Johns Hopkins University, employees and retirees of the Johns Hopkins Health System and its hospitals, and employees and retirees of other select entities. Johns Hopkins Federal Credit Union is wholly owned by its members and chartered under the laws of the federal government.

By accessing the noted link, you will be leaving JHFCU's website and entering a website hosted by another party. JHFCU does not operate this alternate site, nor is JHFCU responsible for the content of the site you are about to enter. We encourage you to read and evaluate the privacy and security policies of the site you are entering, as they may differ from those practiced by JHFCU.